If bancorp, inc. (IROQ)
Balance Sheet / Yearly
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11
Assets
Cash and due from banks

6,336

10,468

7,991

57,994

5,607

6,261

6,077

4,240

9,573

6,175

5,398

7,252

15,223

4,972

10,839

5,451

12,098

5,385

12,023

12,473

12,104

10,628

11,096

12,615

12,323

6,711

10,122

5,371

12,333

10,909

11,999

7,623

8,280

13,404

20,200

53,811

Interest-bearing demand deposits

539

376

1,385

1,606

951

757

1,053

514

404

519

53

514

1,562

568

763

998

328

242

1,268

751

390

315

538

116

138

306

546

1,209

1,071

435

488

570

1,477

1,187

1,505

6,695

Cash and cash equivalents

6,875

10,844

9,376

59,600

6,558

7,018

7,130

4,754

9,977

6,694

5,451

7,766

16,785

5,540

11,602

6,449

12,426

5,627

13,291

13,224

12,494

10,943

11,634

12,731

12,461

7,017

10,668

6,580

13,404

11,344

12,487

8,193

9,757

14,591

21,705

60,506

Interest-bearing time deposits in banks

3,000

3,000

3,000

3,000

2,500

2,500

1,750

1,750

1,750

1,750

1,750

1,750

250

250

252

252

251

251

250

250

250

-

-

250

-

-

-

-

-

-

-

-

-

-

-

-

Interest-bearing time deposits in banks

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

250

250

-

250

250

250

250

250

250

250

250

250

250

250

250

Available-for-sale securities

152,948

146,807

147,975

146,291

130,927

127,648

126,241

125,996

121,721

116,975

110,056

111,611

113,589

112,253

113,321

121,328

118,514

116,650

132,239

170,630

176,123

172,982

171,771

184,586

214,093

213,848

187,382

200,827

222,901

202,914

219,531

223,306

209,992

199,161

196,210

190,273

Loans, net of allowance for loan losses of $6,474 and $6,328 at March 31, 2020 and June 30, 2019, respectively

494,517

490,481

490,966

487,774

492,504

494,240

484,464

476,480

458,342

458,430

465,935

440,322

437,946

436,665

439,926

443,748

429,612

413,839

389,362

356,194

338,365

342,360

332,250

329,924

327,213

322,210

317,828

315,775

290,571

284,814

260,368

258,910

250,005

247,930

240,376

240,020

Premises and equipment, net of accumulated depreciation of $7,845 and $7,345 at March 31, 2020 and June 30, 2019, respectively

10,322

10,470

10,637

10,706

10,680

10,824

10,549

10,226

9,385

9,413

9,162

5,840

4,886

4,843

4,468

4,586

4,642

4,701

4,728

4,800

4,858

4,956

5,014

5,124

4,900

4,743

4,207

4,293

4,301

4,371

4,355

4,355

4,441

4,404

4,079

4,096

Federal Home Loan Bank stock, at cost

2,408

1,598

1,215

1,174

2,430

3,668

3,589

3,285

2,205

2,790

3,150

2,543

2,813

5,425

5,425

5,425

5,425

5,425

5,425

5,425

5,425

5,425

5,425

5,425

5,425

5,425

5,425

5,425

5,425

5,075

4,975

4,175

3,650

3,875

3,121

3,121

Foreclosed assets held for sale

432

435

584

778

1,610

2,909

5,036

219

327

491

420

429

155

533

-

338

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Foreclosed assets held for sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

224

-

184

184

61

50

371

434

602

436

381

258

260

418

706

1,092

1,148

1,268

559

787

680

710

Accrued interest receivable

2,025

2,317

2,386

2,142

2,254

1,962

2,295

1,821

2,006

1,752

1,830

1,539

1,921

1,664

1,941

1,803

1,732

1,635

1,630

1,673

1,669

1,693

1,770

1,788

2,024

1,751

1,996

1,688

2,098

1,684

2,094

1,861

2,209

1,619

2,297

1,684

Bank-owned life insurance

9,277

9,211

9,142

9,072

9,005

8,938

8,870

8,803

8,737

8,672

8,605

8,823

8,756

8,691

8,622

8,555

8,488

8,422

8,355

8,289

8,223

8,159

8,092

8,025

7,960

7,891

7,824

7,757

7,692

7,628

7,561

7,495

7,430

7,367

7,301

7,235

Mortgage servicing rights

821

888

836

853

861

896

894

866

791

730

723

710

627

618

518

440

474

509

500

505

476

499

515

506

516

533

516

502

384

356

311

329

319

307

298

408

Deferred income taxes

999

1,592

1,377

2,066

2,674

3,334

4,106

4,003

3,572

3,244

4,052

3,721

3,231

3,269

1,999

1,746

2,052

2,655

1,885

2,249

1,238

1,739

2,534

2,059

2,778

3,931

3,344

3,213

655

201

-

-

293

142

-

337

Other

557

573

710

414

522

337

530

720

497

552

875

420

513

600

385

895

400

365

293

379

260

393

288

489

342

392

314

807

929

975

991

1,188

1,195

1,270

1,438

2,176

Total assets

684,181

678,216

678,204

723,870

662,525

664,274

655,454

638,923

619,310

611,493

612,009

585,474

591,472

580,351

588,683

595,565

584,200

560,263

558,019

563,668

549,752

549,833

540,145

551,343

578,343

568,249

540,014

547,535

549,316

520,704

514,071

511,330

490,100

481,703

477,755

510,816

Liabilities and Equity
Liabilities
Deposits
Demand

27,276

26,606

33,453

80,442

22,256

22,950

22,226

21,350

24,059

21,550

22,396

20,140

21,987

19,351

19,198

19,036

19,697

18,121

16,562

17,173

13,695

-

-

16,705

-

-

-

-

-

-

-

-

-

-

-

-

Savings, NOW and money market

214,561

208,007

198,932

196,296

195,615

181,243

188,243

195,491

194,285

184,321

181,570

171,213

166,456

159,460

153,104

156,688

152,725

152,375

149,130

150,759

137,188

-

-

132,638

-

-

-

-

-

-

-

-

-

-

-

-

Demand

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

16,179

13,349

-

16,652

12,837

12,630

12,820

13,743

22,457

9,598

10,605

10,045

10,145

9,369

8,400

Savings, NOW and money market

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

124,458

123,290

-

132,242

124,973

121,071

131,779

136,914

125,453

126,356

133,688

131,210

121,503

117,904

230,283

Certificates of deposit

272,288

289,729

291,569

290,761

258,274

247,991

239,040

229,236

223,125

216,916

210,065

209,020

208,937

209,275

209,157

216,343

206,532

196,803

202,280

208,051

225,593

224,543

229,701

219,675

-

-

-

188,775

-

-

-

-

-

-

-

-

Certificates of deposit

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

215,042

210,239

208,683

-

186,772

185,044

187,397

188,692

190,158

189,709

192,912

199,381

Brokered certificates of deposit

19,005

24,984

32,523

39,524

41,534

41,535

41,294

34,344

37,337

38,788

38,784

38,773

38,773

38,777

42,141

41,641

41,641

39,641

40,060

39,561

37,208

40,213

39,968

35,575

40,371

40,371

38,371

37,829

33,636

21,636

21,636

11,500

11,500

11,000

11,000

6,001

Total deposits

533,130

549,326

556,477

607,023

517,679

493,719

490,803

480,421

478,806

461,575

452,815

439,146

436,153

426,863

423,600

433,708

420,595

406,940

408,032

415,544

413,684

405,393

406,308

404,593

404,307

388,420

380,755

371,203

371,065

354,590

344,987

344,485

342,913

332,357

331,185

444,065

Repurchase agreements

3,404

3,340

3,102

2,015

2,242

2,840

2,134

2,281

2,734

2,964

2,853

2,183

2,440

2,677

4,491

4,392

4,947

5,165

5,776

4,024

4,403

3,288

2,684

2,324

2,737

2,588

1,439

1,674

1,665

-

-

-

-

-

-

-

Federal Home Loan Bank advances

53,500

33,500

27,000

24,000

54,000

81,500

74,750

67,500

49,000

57,000

65,000

53,500

62,500

62,500

70,500

67,000

70,000

62,000

57,000

58,000

41,000

52,500

44,000

56,750

84,500

93,000

70,500

87,500

86,000

75,500

75,500

75,000

57,000

60,500

-

22,500

Line of credit and other borrowings

5,000

5,000

5,000

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Federal Home Loan Bank advances

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-59,000

-

Advances from borrowers for taxes and insurance

1,272

1,093

847

747

1,227

1,140

657

309

1,110

1,014

522

754

1,047

804

650

932

1,172

1,025

690

955

1,229

1,040

677

997

1,322

1,072

729

966

1,363

1,078

703

955

1,313

974

643

841

Deferred income taxes

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

304

128

-

-

132

0

Accrued post-retirement benefit obligation

2,951

2,940

2,930

2,919

2,796

2,787

2,778

2,770

2,893

2,886

2,880

2,874

3,003

2,991

2,979

2,967

2,701

2,686

2,669

2,654

2,432

2,417

2,402

2,387

2,494

2,412

2,379

2,344

2,325

2,279

2,234

2,183

2,138

2,070

1,952

1,932

Accrued interest payable

935

1,706

1,190

801

594

467

393

188

148

116

82

55

50

59

59

59

46

51

53

65

88

96

111

96

80

66

59

44

41

42

46

43

53

76

103

158

Other

4,557

3,583

4,371

3,904

3,881

3,300

2,858

3,779

3,006

2,462

3,115

2,993

3,077

1,973

2,614

2,535

2,467

1,823

2,660

1,990

1,701

1,378

1,763

2,110

2,037

1,760

1,989

2,055

1,700

1,365

2,019

1,887

1,703

1,595

1,401

1,879

Total liabilities

604,749

600,488

600,917

641,409

582,419

585,753

574,373

557,248

537,697

528,017

527,267

501,505

508,270

497,867

504,893

511,593

501,928

479,690

476,880

483,232

464,537

466,112

457,945

469,257

497,477

489,318

457,850

465,786

464,159

434,854

425,793

424,681

405,120

397,572

394,416

471,375

Commitments and Contingencies

-

-

-

-

-

-

0

-

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

Stockholders' Equity
Common stock, $.01 par value per share, 100,000,000 shares authorized, 3,240,376 and 3,578,252 shares issued and outstanding at March 31, 2020 and June 30, 2019, respectively

32

32

32

36

36

36

39

39

39

39

39

39

39

40

40

40

40

40

40

41

43

43

44

44

44

45

46

46

46

46

48

48

48

48

48

-

Additional paid-in capital

49,151

49,041

48,925

48,813

48,708

48,600

48,487

48,361

48,250

48,146

48,043

47,940

47,836

47,733

47,634

47,535

47,437

47,342

47,106

47,009

46,940

-

-

46,689

-

-

-

-

-

-

-

-

-

-

-

-

Additional paid-in capital

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

46,857

46,773

-

46,609

46,526

46,479

46,451

46,426

46,403

46,386

46,371

46,359

46,351

46,346

-

Unearned ESOP shares, at cost, 216,506 and 230,940 shares at March 31, 2020 and June 30, 2019, respectively

2,165

2,213

2,261

2,309

2,358

2,406

2,454

2,502

2,550

2,598

2,646

2,694

2,742

2,791

2,839

2,887

2,935

2,983

3,031

3,079

3,127

3,175

3,224

3,272

3,320

3,368

3,416

3,464

3,512

3,560

3,608

3,656

3,705

3,753

3,801

-

Retained earnings

29,802

29,921

29,156

35,356

34,351

34,726

39,335

38,885

38,762

38,932

39,633

39,051

38,426

38,083

37,191

37,095

36,002

35,379

35,204

35,466

38,972

38,299

38,096

37,544

37,347

37,243

39,607

39,101

38,561

38,180

39,756

38,728

37,825

36,977

35,953

37,328

Accumulated other comprehensive income, net of tax

2,612

947

1,435

565

-631

-2,435

-4,326

-3,108

-2,888

-1,043

-327

-367

-357

-581

1,764

2,189

1,728

795

1,820

999

2,387

1,697

511

1,081

186

-1,515

-552

-385

3,636

4,781

5,696

5,158

4,453

4,508

4,793

2,113

Total stockholders' equity

79,432

77,728

77,287

82,461

80,106

78,521

81,081

81,675

81,613

83,476

84,742

83,969

83,202

82,484

83,790

83,972

82,272

80,573

81,139

80,436

85,215

83,721

82,200

82,086

80,866

78,931

82,164

81,749

85,157

85,850

88,278

86,649

84,980

84,131

83,339

39,441

Total liabilities and stockholders' equity

684,181

678,216

678,204

723,870

662,525

664,274

655,454

638,923

619,310

611,493

612,009

585,474

591,472

580,351

588,683

595,565

584,200

560,263

558,019

563,668

549,752

549,833

540,145

551,343

578,343

568,249

540,014

547,535

549,316

520,704

514,071

511,330

490,100

481,703

477,755

510,816